Call reports 2013
AUTO CLUB TRUST, FSB — 2013
What AUTO CLUB TRUST, FSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 71,643,000 | 67,533,000 | 66,813,000 | 66,008,000 |
| Total loans | 14,033,000 | 14,789,000 | 17,202,000 | 17,828,000 |
| Allowance for loan losses | 189,000 | 212,000 | 252,000 | 260,000 |
| Securities available for sale | 51,857,000 | 46,582,000 | 43,429,000 | 42,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,141,000 | 19,678,000 | 20,497,000 | 21,588,000 |
| Interest-bearing deposits | 20,181,000 | 18,760,000 | 19,641,000 | 20,296,000 |
| Noninterest-bearing deposits | 960,000 | 918,000 | 856,000 | 1,292,000 |
| Equity capital | 49,846,000 | 47,261,000 | 45,570,000 | 43,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 420,000 | 813,000 | 1,207,000 | 1,759,000 |
| Interest expense | 51,000 | 98,000 | 141,000 | 186,000 |
| Net interest income | 369,000 | 715,000 | 1,066,000 | 1,573,000 |
| Noninterest income | 187,000 | 319,000 | 478,000 | 680,000 |
| Noninterest expense | 1,756,000 | 3,231,000 | 5,178,000 | 7,714,000 |
| Provision for loan losses | 43,000 | 66,000 | 106,000 | 117,000 |
| Pretax income | -1,243,000 | -2,263,000 | -3,740,000 | -5,578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,243,000 | -2,263,000 | -3,740,000 | -5,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,471,000 | 47,451,000 | 45,974,000 | 44,135,000 |
| Total capital | 48,660,000 | 47,663,000 | 46,226,000 | 44,395,000 |
| Risk-weighted assets | 27,811,000 | 27,668,000 | 28,404,000 | 28,220,000 |